Mana Abrar Aria
Financing

Bank Finance

Loans, bank guarantees and letters of credit

We help you get the bank facilities your company needs and pay less for them. We prepare the credit file, choose the right facility and bank, negotiate collateral and terms, and show you the true annual cost after fees, deposits and guarantees.

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When clients call us

  • You need working capital or a loan for equipment or a project
  • A contract or tender requires a bank guarantee
  • You buy inputs from a domestic supplier and want deferred payment through a rial LC
  • Existing loans are expensive and need refinancing or restructuring

What we do

Credit file
Financial statements, cash-flow forecast and use of funds presented the way bank credit committees read them.
Facility design
The right mix of term loan, working-capital line, guarantee and LC for what the money is for.
Bank guarantees
Bid, performance and advance-payment guarantees, and how to reduce the cash margin required.
Domestic rial letters of credit
Deferred payment for purchases from local suppliers, structured with your bank.
True cost and negotiation
Effective annual cost after fees, compensating deposits and guarantees, and negotiation with several banks.
Refinancing and restructuring
Moving expensive or short-term debt to better terms and a schedule the business can carry.

Free tools for this service

Cost of FinancingTrue annual cost after fees, deposits and guaranteesFreeFinancing RoutesWhich financing routes fit your companyFreeInvestor MapResearch and technology funds: loans and guaranteesFree

How we work

  1. Need and costRun the Cost of Financing calculator on the offers you have, then talk to a partner.
  2. Credit filePrepare the file and the collateral package.
  3. Banks and termsApproach several banks and compare terms side by side.
  4. Approval and follow-upApproval, signing and a reporting routine that keeps the bank on side.

Common questions

Do you have special access to banks?

No. We know how bank credit committees decide, but approval always rests on your file. A strong file is what we build.

Why is the true cost higher than the rate?

Fees, blocked deposits, guarantee commissions and up-front charges all add to it. Our calculator shows the real figure.

Can you help with an existing default?

Yes. Restructuring starts with a realistic cash-flow plan the bank can accept.

Talk to a partner

Tell us about your situation. A partner replies within one working day.

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Financing